Best debit cards for borrowers – the right solution for storing funds

Russia's debit card ratings – trust reliable services and sources

Each bank has its own marketing programs, including those for attracting customers, where the current debit card rating of our credit and loan matching service will help determine the level of customer trust in Russian banking products. Currently, all debit cards in Russia are represented by VISA and Mastercard payment systems, as well as the Russian Mir operator. In the latter case, the payment system gained momentum relatively recently, so the success of using this payment tool can only be discussed no earlier than after 2021. As world practice shows, for a new issuing banks' payment system to enter the ranking of popular debit cards, it takes at least 5 years of operation. Mir cards currently show good results, which gives reason to say that in a few years Mir can create healthy competition for Visa and Mastercard.

How debit card classification is determined

While credit products are not available to everyone, debit cards of 2019 are accessible to every Russian citizen. While banks keep track of loan rejections, the rejection rate for debit cards is so low that there is exact refusal statistics. Every bank's product line includes at least a standard minimum, 1-2 offers for the best debit cards with cashback of 2022. With the help of a banking product, you can make instant transfers, payments, shop in stores, pay for communication services, order tickets at railway stations, pay for online purchases, etc.

There is no single classifier for debit cards, but the following ranking criteria are used for the 2019 debit card rating:

• The payment system provided for the banking product.
• The degree of identification of the sole holder of the payment instrument.
• The reliability performance level of the payment product.
• Account opening by currency denomination.
• The standard affiliation of a client with a specific category of banking product users.
• The presence or absence of an annual maintenance fee.
• The presence or absence of loyalty programs.
• Priority usage standard.
• Admissibility of linking to the main account.

These are the main factors influencing the debit card classifier. To reiterate, the only downside of debit cards is the charging of a specific amount for annual maintenance. Some banking products are issued to bank clients completely free of charge.

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Debit card standard tier

The current rating of a debit card with cashback depends on the card tier. Currently, all debit cards are represented by three tier categories:

1. Standard.
2. Gold.
3. Platinum.

Each tier type differs in the options provided by the payment instrument, as well as the benefits and advantages embedded in the banking product for an individual client. The Standard tier includes a mandatory basic package of services. The Premium tier features extended services, the Gold tier includes customized services, and so on. Similarly, this affects the cost of annual maintenance for a debit card. Some banks may not charge a fee at all for a Standard card. For a Platinum tier, however, annual maintenance can reach several tens of thousands of RUB.

In most cases, all debit cards are attached to a single currency type: RUB, USD, EUR. Some banks allow linking multiple currencies to a debit card, known as a multi-currency account.

In addition, debit cards are divided into social groups of population categories. Thus, one can find family, student, social, parental, children's, professional categories, etc. Currently, quite good series of professional cards have been developed; for example, Sberbank offers the Aeroflot card, which is intended both for Aeroflot company employees and for those who frequently travel by this airline's planes.

You can order a banking product by visiting a bank branch or directly on our website by clicking the "Apply for Card" button. Please note that in most cases, banks invite clients to visit a branch office, where they only need to present one document: a passport of a citizen of the Russian Federation. Some banks that do not have branches in other cities can arrange for the delivery of the debit card via a courier service or through the Russian Post postal channel.

Cashback on a debit card

When developing the debit card rating, we take cashback accrual into account. Some financial and credit organizations are ready to offer clients loyalty programs for debit card holders:

• Т-Банк Блэк, можно получить кэшбэк до 30%.
• Alfa-Bank, "Cash Back" line, loyalty program accrual up to 10%.
• Otkritie Bank, Opencard, cashback from 3% to 11%, depending on the selected category.
• Home Credit, "Polza", bonuses in the amount of up to 10%.
• Raiffeisenbank, bonuses up to 3.9%.
• Rocketbank, bonuses up to 10%.
• Svyaz-Bank, bonus accrual up to 10%.
• Rosbank, "Vse Mozhet" type, bonuses up to 10%.
• Fora-Bank, bonuses up to 15%, "All Inclusive" line.
• UniCredit Bank, "Chetverka" type, bonuses up to 10%.

We recommend reviewing the debit card rating in detail and carefully studying the cashback loyalty programs. When contacting a bank to obtain a debit card, it is recommended to state the purpose of using the banking product. Based on the information received, the financial and credit organization will help you choose the necessary level of debit card for use in everyday life.